AmeriServ Financial, Inc. is a holding company whose principal activities consist of owning and operating its subsidiaries: AmeriServ Financial Bank (the Bank), AmeriServ Life Insurance Company, AmeriServ Trust (the Trust Company) and Financial Services Company and AmeriServ Associates, Inc. The Bank provides a full range of consumer, mortgage, commercial and trust financial products in six Pennsylvania counties. The Trust Company offers a complete range of trust and financial services and offers the Erect and Build Funds (collective investment funds for trade union-controlled pension fund assets). AmeriServ Life is engaged in underwriting credit life and disability insurance within AmeriServ Financials market area. Operations of AmeriServ Life are conducted in each office of the Bank. AmeriServ Associates is a registered investment advisory firm that administers investment portfolios, offers operational support systems and provides asset and liability management services.